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事业单位住房公积金贷款流程有谁熟悉？

事业单位住房公积金贷款流程有谁熟悉？

浏览：41次 | 提问时间： 08-06 04:58

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女人似娇艳而易伤 08-06 04:59

事业单位住房公积金贷款流程： 1、申请。借款申请人向管理中心或受委托银行提出申请并提交规定的申请材料。　　2、调查。受托银行对借款申请人提交材料的真实性进行审核，并对个人信用报告、家庭现有房屋状况、首付款比例、担保是否足额、借款人收入及负债等事项进行调查。　　3、审核。管理中心根据受托银行的调查结果，对申报材料进行审核，并在十个工作日内作出是否准予贷款的决定。　　4、签约。受托银行与所有借款申请人、担保人签订借款合同和担保合同。　　5、担保。受托银行与所有借款申请人、担保人在签约后，按照借款合同约定办理抵押登记等担保手续。　　6、发放贷款。受委托银行拔付资金。

盛世美人醉狂歌 08-06 05:07

事业单位住房公积金贷款流程　1、贷款人申请住房公积金贷款需到银行提出书面申请，填写住房公积金贷款申请表并如实提供下列*：　　(一)申请人及配偶住房公积金缴存证明;　　(二)申请人及配偶*明(指居民*、常住户口簿和其他有效居留*)，婚姻状况证明文件;　　(三)家庭稳定经济收入证明及其它对还款能力有影响的债权债务证明;　　(四)购买住房的合同、协议等有效证明文件;　　(五)用于担保的抵押物、质物清单、权属证明以及有处置权人同意抵押、质押的证明，有关部门出具的抵押物估价证明;　　（六）公积金中心要求由第三方担保人做担保，并缴纳担保费用，由借款人、贷款人及第三方担保人共同签订三方合同。　　(七)公积金中心要求提供的其他*。　　2、对*齐全的借款申请，银行及时受理审查，并及时报送公积金中心。　　3、公积金中心负责审批贷款，并及时将审批结果通知银行。　　4、银行按公积金中心审批的结果通知申请人办理贷款手续，由借款人夫*双方与银行签订借款合同及相关的合同或协议，并将借款合同等手续送公积金中心复核，公积金中心核准后即划拨委贷基金，由受托银行按借款合同的约定按时足额发放贷款。　　5、以住房抵押方式担保的，借款人要到房屋坐落地区的房屋产权管理部门办理房产抵押登记手续，抵押合同或协议由夫*双方签字，以有价证券质押的，借款人将有价证券交管理部或盟中心收押保管。

等三秋 08-06 05:15

您好，现在公积金办理贷款并不复杂，那*和住房公积金联名卡到住房公积金管理中心办理申请就可，在窗口能计算你能贷的金额。然后住房公积金管理中心会委托对应银行发放贷款。等通知签订贷款合同，每月还款就可以了。

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事业单位住房公积金贷款流程有谁熟悉？